• Episode 149: Interview with Bobbi Olson, Budget Coach

  • Oct 11 2020
  • Durée: 37 min
  • Podcast

Episode 149: Interview with Bobbi Olson, Budget Coach

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  • Résumé

  • Today's guest is Bobbi Olson, budget coach and host of the CentsAble Chat podcast. Bobbi and Dawn discuss their mutual money-nerdiness, as well as Bobbi's 5-step process for budgeting. They also discuss the pitfalls people face with budgeting. Visit Bobbi's site:

    centsablechat.com

    Show transcript: Hey there. I'm Dawn Starks, author of Simplify Your Financial Life and your host for the SimpleMoney Podcast, where we make personal finance simple. Welcome. This is Episode 149. Today's interview is with Bobbi Olson. Bobbi is a budget coach and host of the CentsAble Chat podcast. Bobbi focuses on breaking the paycheck-to-paycheck cycle by teaching positive money mindsets, how to destroy debt and reduce financial stress. Folks who work with her one-on-one walk away with a clear view of their financial picture and a budget that meets their specific needs, putting them in control of their financial lives. I hope you enjoy my interview with Bobbi Olson. I sure did! DS: Welcome Bobbi. Welcome to the SimpleMoney Podcast. BO: Thanks so much for having me. DS: So, tell us a little bit about your background, because you weren't always a budget coach. So tell us about how you got there. BO: Far from it! Yeah, my background is actually in radio, and the funny thing is I spent 25 years producing financial radio shows, but ignoring everything that I heard because you know, it was always "just for the rich, couldn't work for me." And I was in the poor mindset that said, you know, "This is how it's always going to be for you, there's nothing you can do to change it, so just deal with it." So, yeah, by the time that I started my budgeting journey, I was deeply in debt, and it just felt like I was in a financial prison that I couldn't get out of. And I was so desperate that finally - even though I believed that nothing would ever help - finally, I picked up this book called The 60-Minute Money Workout by Ellie Kay. And I started reading it and man, she opened my eyes. There were so many nuggets of gold in that book, but the thing that really stood out for me was the debt snowball method. And when she started talking about that, and I realized how just a simple shift in the way that you pay your debt could make such a huge difference, I was shocked. But I'm a cynic, so I didn't believe her. I thought there's no way it can be this easy. So I seriously spent the entire afternoon crunching the numbers, trying desperately to prove her wrong, and I couldn't do it. And it worked, I mean, not only did it work for my specific situation, but I actually could see a timeline and an actual date when I would be out of debt for my own numbers. And it was so powerful that it just put me on the road to learn everything I could about budgeting and, you know, find out what else I didn't know. Because I knew there had to be more out there. And so in the process, I found the cash envelope method, which I loved because it helped me categorize my money, which made everything clear for me, that was exactly what I needed. But I kept forgetting to take my cash envelopes to the store with me. So it made things really messy. And so I went online to find a digital cash envelope system and found YNAB. And that totally changed my life because it was the exact method that I was looking for, and it made things so much easier for me that, oh my gosh, I went from budgeting because I had this goal, to loving budgeting so much that I couldn't stop using YNAB. And so it got to the point where there was nothing else I could do in my budget until payday, but I wanted to keep using YNAB, so I went on Facebook and said, "Please friends, let me play with your numbers! Let me help you with your budgets!" And so I started getting response from there and just loved watching other people have the same "aha" moments I did. And that's how I started coaching. DS: T
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